Link Money

Financial Services80% confidence

Link Money (often appearing as Link.com on bank statements) is a financial technology company that provides ACH-based payment and payout services to businesses, including cash‑back and rewards programs.

San Francisco, CA
link.money

About Link Money

Link Money is a fintech company that builds ACH (bank-to-bank) payment and payout infrastructure for merchants and platforms. Businesses use Link Money to let customers pay directly from their bank accounts and to distribute rewards, rebates, and cash‑back offers without relying on traditional card networks. On card or bank statements, transactions related to these services may appear under descriptors such as “Link.com” or “DEPOSIT Link.com TYPE: Cash back,” indicating that Link Money has facilitated a transfer tied to a merchant’s rewards or banking program.

A charge or deposit labeled “DEPOSIT Link.com TYPE: Cash back” with ACH or CCD details typically represents a cash‑back or rewards credit being paid out via ACH to your bank account, rather than a purchase. In many cases, you’ll see this as an incoming deposit linked to a rewards program, shopping portal, or financial app that uses Link Money’s payment rails. While it is more common to see Link.com associated with deposits or payouts, you might also see related entries if a transaction is reversed, adjusted, or verified.

If you have questions about a Link.com deposit or related ACH entry, start by checking any rewards, cash‑back, or financial apps you use around the date of the transaction to identify which one partners with Link Money. Review email confirmations or in‑app transaction histories for a matching amount and date. If you still cannot identify the source, visit link.money to find their support resources, or contact your bank for additional trace details using the ACH Trace ID shown in the descriptor. Your bank can help confirm whether the transaction is a legitimate payout and may be able to reverse or dispute it if it is unauthorized.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Link Money.

Frequently Asked Questions

Why do I see a “DEPOSIT Link.com TYPE: Cash back” entry on my bank statement?

This descriptor usually indicates that a rewards or cash‑back program you use has sent you an ACH payout through Link Money’s payment platform. It should appear as a credit to your account, often matching a cash‑back or rebate amount shown in the app or website that issued the reward.

Is a Link.com cash‑back deposit the same as a charge or purchase?

No. In most cases, entries labeled “DEPOSIT Link.com TYPE: Cash back” are incoming ACH credits, not charges. They represent funds being paid to you—typically from a shopping, rewards, or financial app that uses Link Money to deliver cash‑back.

How can I figure out which app or merchant used Link Money for my cash‑back payment?

Check your recent activity in rewards apps, shopping portals, or financial services you use around the date of the deposit. Look for a payout or cash‑back entry that matches the amount. Many apps list the payment rail or show a note like “paid via Link” in their transaction history or email confirmation.

What should I do if I don’t recognize a Link.com transaction, even if it looks like a deposit?

First, confirm whether the entry is a credit or a debit. If it is a credit you do not recognize, check all your rewards and financial apps for a matching payout. If you still cannot identify it, contact your bank with the ACH Trace ID from the descriptor and ask them to verify the originator. You can also reach out to Link Money’s support via their website with the same details.

Can Link Money place temporary authorization holds or test transactions on my account?

Some partners may use small ACH test transactions (often just a few cents) when linking or verifying a bank account through Link Money. These may appear briefly in your history and then reverse. They are typically labeled with Link.com or Link-related wording and should net to zero once verification completes.

How do I contact support about a Link.com cash‑back deposit?

Visit link.money and look for their support or contact section. Provide the date, amount, and full transaction descriptor (including the ACH Trace ID and any ID numbers shown). Because Link Money processes payments on behalf of other companies, they may also direct you to the specific merchant or app that initiated the payout.

Can I stop or reverse a Link.com ACH deposit if it was made in error?

ACH credits are generally final once posted, but in cases of clear error or fraud, you should contact your bank immediately and provide the transaction details, including the ACH Trace ID. Your bank may work with Link Money and the originating merchant to investigate and, where appropriate, attempt a reversal.

Why does the descriptor include terms like ACH ECC CCD and an ACH Trace number?

Those codes and the ACH Trace number are standard for electronic bank‑to‑bank (ACH) transfers. They help your bank and the payment processor identify the exact transaction in the ACH network, which is useful when tracing a payout, resolving disputes, or confirming the legitimacy of a Link.com cash‑back deposit.

This merchant is in the Financial Services category

Browse all

Related Merchants

Spotto
Circumtec
Live Payments
CabFare
JIM.com

Compare Link Money

vsSpottovsCircumtecvsLive Payments

Got more mystery charges?

Paste your bank statement codes and we'll tell you exactly who charged you.

Find out who charged you